You may be eligible for Celcom upfront payment waiver of

RM 100

Key in your total monthly instalments for all your fixed loans

Example: Home Loan + Car Loan + Personal Loan + PTPTN Loan (if any)

How is the CTOS Score calculated?

The CTOS Score is calculated based on credit information from both CCRIS and CTOS’s database. 5 factors make up the CTOS Score:

score-weightage-V2score bluePayment History (45%)
Whether you pay your loans on time or have missed payments in the past
score redAmounts Owed (20%)
The number of credit facilities and the amount owed to the banks
score yellowCredit History Length (7%)
How long have you held a credit facility (credit card, or a loan)
score greenCredit Mix (14%)
Types of loan and credit cards you hold – secured (home, car loans) vs unsecured credit (credit cards, personal loans)
score purpleNew Credit (14%)
Have you been approved for new credit facilities recently
Sources: Banking Payment History [derived from CCRIS, Bank Negara Malaysia], CTOS Database [Legal records & Trade References].


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